Funding for roofing, built around your cash flow.
Shim Capital gets roofing contractors $25,000 to $5,000,000 in working capital — fast, flexible, and structured around how your business actually earns. Use it for materials, crews, equipment and bridging the gap to insurance payouts.
See What You Qualify For →Every kind of capital, one quick application
Most lenders push one product. We structure across the whole market and match roofing contractors to what actually fits — then move fast.
How funding works for roofing companies
Roofing is seasonal, material-heavy, and weather-driven — you buy shingles and pay crews before the check (or insurance claim) clears. We fund roofers fast so you can buy materials, make payroll, and book jobs ahead of peak season.
What roofers use it for
Shingles and materials, crew payroll, equipment and safety gear, storm-season ramp-up, marketing and canvassing, or bridging insurance-claim timelines.
Why it fits
24-hour approvals, no collateral, repayment that flexes with your deposits. $25,000 to $5,000,000.
Ready to fund your roofing business?
Apply in 2 minutes · Approvals in as little as 24 hours · No collateral · All credit welcome
Get My Funding →Roofing funding by state
We fund roofing contractors nationwide. Find your state:
Frequently asked questions
How much funding can a roofing business get?
Shim Capital arranges $25,000 to $5,000,000 for roofing contractors, sized to your monthly revenue and cash flow — most offers land between 50% and 150% of a typical month's deposits.
How fast is approval?
Approvals come in as little as 24 hours, and funds can reach your account the same day once your last 3–4 months of business bank statements are in.
Do I need good credit or collateral?
No collateral required, and all credit is welcome. We underwrite primarily on your business's revenue and deposit history — not just a FICO score.